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Someones hit me car!

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samZ4M
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Someones hit me car!

Post by samZ4M » Tue Jan 08, 2019 2:13 pm

Any thoughts on the wheel prob? The insurance company have authorised the claim, including the alloy (224M), but I've got rep CSL's on.

The garage said he'd just give me the wheel, but 1 wheel probably won't cover the cost of repairing mine...not to mention the hassle..

Tempted to get the quote changed to refurb both offside (to avoid colour difference) wheels. It'll be less than a new alloy, so don't see a problem.

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ronk
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Someones hit me car!

Post by ronk » Tue Jan 08, 2019 5:01 pm

Does the insurance company know you’ve changed the wheels?
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Post by samZ4M » Tue Jan 08, 2019 5:04 pm

Yes.

I've spoken to them, they've said the garage is to make it right. if there is a cost difference, to get a 2nd approval. I'm going to tell BMW to deal with it. I need either 4 OEM wheels or a replacement rep. Their call!

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Post by ronk » Tue Jan 08, 2019 5:07 pm

I think you might struggle to get 4off oem wheels out of them.
From my experiences, they will refurbish the damaged wheel and the colour match will be fine.
You don't stop playing when you get old - You get old when you stop playing!
So I bought a 35is with all the toys to play with. :thumbsup:

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Post by samZ4M » Tue Jan 08, 2019 5:24 pm

Sure, but if they want to fit OEM, that's how many they'll need!

I'm sure my current one will be refurbed.

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Post by Papa_Zee » Sun Jan 13, 2019 1:30 pm

BMW obviously will not touch the replica... liabilities, non original part and so on.
E89 35is

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Post by Iggy » Sun Jan 13, 2019 2:04 pm

I had a similar situation recently - car was hit and needed one replacement wheel (also a CSL rep). BMW quoted the insurance company for a brand new MV2 which would have originally been on the car from the factory, and made it clear they could not themselves source a replacement for the current aftermarket wheel. I agreed with the insurance to have the quoted cost for a new wheel paid directly into my bank account which i used towards buying a new set of wheels. Of course you could use the money to buy a single wheel or have it refurbed.
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Post by ronk » Sun Jan 13, 2019 2:14 pm

Isn’t this the reason why they ask “has the vehicle been modified?”
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So I bought a 35is with all the toys to play with. :thumbsup:

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Post by srhutch » Sun Jan 13, 2019 2:34 pm

ronk wrote: Sun Jan 13, 2019 2:14 pm Isn’t this the reason why they ask “has the vehicle been modified?”
Nope.

Most policies will only return to standard even with mods declared.

OP I would either take the new wheel in the box and sell it on, or the cash is an option. Then you can get you reps refurbed.
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Post by craig3.2 » Sun Jan 13, 2019 2:56 pm

srhutch wrote: Sun Jan 13, 2019 2:34 pm
ronk wrote: Sun Jan 13, 2019 2:14 pm Isn’t this the reason why they ask “has the vehicle been modified?”
Nope.

Most policies will only return to standard even with mods declared.

OP I would either take the new wheel in the box and sell it on, or the cash is an option. Then you can get you reps refurbed.
I agree ,op.
The cash option might be the best way to go?
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Post by ronk » Sun Jan 13, 2019 3:10 pm

srhutch wrote: Sun Jan 13, 2019 2:34 pm
ronk wrote: Sun Jan 13, 2019 2:14 pm Isn’t this the reason why they ask “has the vehicle been modified?”



Nope.

Most policies will only return to standard even with mods declared.

OP I would either take the new wheel in the box and sell it on, or the cash is an option. Then you can get you reps refurbed.
Well you live and learn!
I’ve not been in that position as I’ve only had standard unmodified / off the shelf cars for many years now.

Makes you wonder why they charge more for mods if they are just going back to stock parts?
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Post by BMWZ4MC » Sun Jan 13, 2019 6:02 pm

Before I take out a policy, I always clarify with the insurer that they will cover modified cars and that they replace modifications like for like rather than with OEM parts. In my experience, as often as not, the cheapest premiums are from companies that will replace modifications with the same part.
Of course, that wouldn’t get around the problem the OP describes, but the suggestion of taking the cash value of a new wheel or the wheel itself and selling it then using the money to refurbish all four wheels sounds like a good plan.
Last edited by BMWZ4MC on Sun Jan 13, 2019 6:04 pm, edited 1 time in total.
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srhutch
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Someones hit me car!

Post by srhutch » Sun Jan 13, 2019 6:04 pm

ronk wrote: Sun Jan 13, 2019 3:10 pm
srhutch wrote: Sun Jan 13, 2019 2:34 pm
ronk wrote: Sun Jan 13, 2019 2:14 pm Isn’t this the reason why they ask “has the vehicle been modified?”



Nope.

Most policies will only return to standard even with mods declared.

OP I would either take the new wheel in the box and sell it on, or the cash is an option. Then you can get you reps refurbed.
Well you live and learn!
I’ve not been in that position as I’ve only had standard unmodified / off the shelf cars for many years now.

Makes you wonder why they charge more for mods if they are just going back to stock parts?
They will say that your car is more desirable when modded, so more likely to be stolen etc. That is why one reason you have to inform them.
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Post by BMWZ4MC » Sun Jan 13, 2019 6:05 pm

I suspect many modified cars are driven more “enthusiastically” than their OEM equivalents too...
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Post by samZ4M » Mon Jan 14, 2019 9:17 am

I have come to an arrangement with them, that they'll pay me the figure BMW quoted for the original wheel. I then can buy a set for (slightly) more, and replace the damaged wheel. What I do with the rest is up to me.

Never thought of mods on insurance. But I am claiming from the 3rd parties insurance, so it's not relevant if I've declared mods.

Anyway, I'm happy with the arrangement, although 'out of pocket' I'll have 4 brand new wheels for ~£50.

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